Visa Classic
from American State Bank
Your most basic credit card with no annual fees and local servicing
ASB Card App Available
With our credit card you get access to our ASB Card App, which allows you to control your card on the go.
Local Servicing
Dedicated local staff to help with all your credit card needs.
No Annual Fee
Current ASB customers have their fees waived.
Interest Rates & Fees Summary
- Standard APR
- 15.84% Fixed
- Balance Transfer APR
- 15.84% Fixed
- Cash Advance APR
- 18.00% Fixed
- Annual Fee
- No Monthly Fee
| Standard APR | Balance Transfer APR | Cash Advance APR | Annual Fee |
| 15.84% Fixed | 15.84% Fixed | 18.00% Fixed | No Monthly Fee |
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Additional Product Features
- Online account information
Important Disclosures
| Interest Rates and Interest Charges | Visa® Classic |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 15.84% Fixed |
| APR for Balance Transfers | 15.84% Fixed |
| APR for Cash Advances | 18.00% Fixed |
| Penalty APR and When it Applies | None |
| How to Avoid Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date of each month. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees | Visa® Classic |
|---|---|
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| Foreign Transaction | None |
| Penalty Fees | |
| Late Payment | Up to $10.00 - If the minimum required payment is not received within 10 days after the closing date subsequent to the payment due date, a late payment fee of $10.00 will be imposed. |
| Over-the-Credit Limit | None |
| Return Payment | None |
| Other Fees | None |
How Will We Calculate Your Balance: We use a method called “Average Daily Balance” (excluding new purchases and balance transfers but including cash advances). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided with your account agreement.
Military Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).